0.055
16974,658,850,000
AAAA
20182017IPO?
Shandong International Trust Co., Ltd.SITC
250013ir1697@luxin.cnhttp://www.sitic.com.cn
(0531) 86566593(0531) 86566593ir1697@luxin.cn
H www.hkexnews.hk
H
1697H
171712-1716
14,57213,61212,9028,6488,1711,0388911,1308281,052
5306484914554611,8871,6951,6481,3271,786
(0.5)(20)21–1,133700696389615
8781,1271,1191,0771,34613,24112,37211,6557,5576,711
9971,2141,2029121,206(1)
33426451792544,6783,9893,7152,2201,5297167388521(1)
131522623
(1)
總資產
（人民幣百萬元）
總資產
20152016201720192018
3000600090001200015000
8,1718,648
12,902
14,57213,612
總權益
（人民幣百萬元）
總權益
2015201620172018
5,998
6,341
9,147
9,541
2019
9,810
2,0004,0006,0008,00010,000
2015201620172018
| 總經營收入 |
1,7861,327
1,648
1,695
2019
1,887
1,0001,5002,000
固有業務
2015201620172018
1,0001,5002,000
1,058
1,134
2019
1,040
信託業務
（人民幣百萬元）
業務分部收入
歸屬於本公司股東的淨利潤
（人民幣百萬元）
歸屬於本公司股東的淨利潤
2015201620172018
1,076
2019
1,0001,200
| 歸屬於本公司股東的淨利潤（人民幣百萬元）歸屬於本公司股東的淨利潤 | 加權平均淨資產收益率加權平均淨資產收益率 |
2015201620172018
18.9%
13.5%
13.4%
9.3%
2019
6.9%
二?一?
二?一?
一月
五月
在由智通財經和同花順財經共同主辦的2018「金港股」年度頒獎盛典中榮獲「2018金港股最具價值金融股公司」大獎。
三月
山東國信當選山東金融業聯合會首屆理事單位。
智慧信託入選山東省首批「現代優勢產業集群+人工智慧」試點示範項目。
六月
憑藉卓越的信託服務水準和公司治理能力，山東國信在由香港財經雜誌《中國融資》舉辦的「2019年中國融資大獎」中榮獲「最佳企業管治獎」。
首款現金管理類產品「天禧盈集合資金信託計劃」正式成立。
受邀參加2019中國金融創新論壇並獲「十佳家族信託管理創新獎」。
榮獲格隆匯?首屆大中華區「港股上市公司最佳信息披露獎」。
| 八月「德善齊家」家族信託品牌再添新丁，「德善齊家?紅妝」系列嫁妝金家族信託和「德善齊家?立學」系列教育金家族信託順利推出。山東國信連續第七年在山東省財政廳組織的金融企業績效評價中獲評最高「AAA優秀」等級。首單標準化ABS信託成功落地，信託規模達人民幣70億元。翻譯出版《信託公司史》，被評為中國金融出版社雙十佳引進類圖書。山東國信在由金融界主辦的「2019領航中國年度評選」中榮獲「傑出區域影響力信託公司獎」，融易系列集合信託榮獲「傑出消費金融信託產品獎」。主動管理型信託業務規模首次突破人民幣1,000億元大關。家族信託實際交付的信託資產規模突破人民幣100億元，並在業內率先落地一單非上市公司股權家族信託。十月 |
???⺌
二?一?
一月
五月
在由智通財經和同花順財經共同主辦的2018「金港股」年度頒獎盛典中榮獲「2018金港股最具價值金融股公司」大獎。
三月
山東國信當選山東金融業聯合會首屆理事單位。
智慧信託入選山東省首批「現代優勢產業集群+人工智慧」試點示範項目。
六月
憑藉卓越的信託服務水準和公司治理能力，山東國信在由香港財經雜誌《中國融資》舉辦的「2019年中國融資大獎」中榮獲「最佳企業管治獎」。
首款現金管理類產品「天禧盈集合資金信託計劃」正式成立。
七月十一月
山東國信APP正式上線，實現一站式服務、一鍵式操作，助力客戶暢享智慧信託「雲服務」。榮獲《證券時報》頒發的「2019年度優秀風控信託公司」獎。財富管理中心濟南龍奧網點順利投入運營，有效填補濟南東部服務空白。
十二月
受邀參加2019中國金融創新論壇並獲「十佳家族信託管理創新獎」。
榮獲格隆匯?首屆大中華區「港股上市公司最佳信息披露獎」。
八月
「德善齊家」家族信託
品牌再添新丁，「德善齊家?紅妝」系列嫁妝金家族信託和「德善齊家?立學」系列教育金家族信託順利推出。
山東國信連續第七年在山東省財政廳組織的金融企業績效評價中獲評最高「AAA優秀」等級。首單標準化ABS信託成功落地，信託規模達人民幣70億元。翻譯出版《信託公司史》，被評為中國金融出版社雙十佳引進類圖書。
山東國信在由金融界主辦的「2019領航中國年度評選」中榮獲「傑出區域影響力信託公司獎」，融易系列集合信託榮獲「傑出消費金融信託產品獎」。主動管理型信託業務規模首次突破人民幣1,000億元大關。家族信託實際交付的信託資產規模突破人民幣100億元，並在業內率先落地一單非上市公司股權家族信託。
十月
ABS
+
145.7247.62
98.108.786.64
2,576.641,0001,096.7742.6%3.9
2.0
21.6
+APPABS+
1,886.711.3%
663.923.9%
(i)(ii)
1,039,81651.72%943,65151.66%1,039,81651.72%943,65151.66%
846,85042.12%750,85541.10%123,7056.16%132,1977.24%970,55548.28%883,05248.34%
2,010,371100.00%1,826,703100.00%
51.7%48.3%
ABS
231,922257,6641,0781,202109,677
42.6%3.9797
76.8%6.4
(1)
(2)
(3)
15037,52413642,22766372,15353147,431389147,987411142,264
1,202257,6641,078231,922
%%
38737.2846452.0841039.5016318.2924123.2226429.63
1,038100.00891100.00
(1)
+
(2)(3)
13615042,22711.1%37,52416.6%387
(1)(2)
(i)(ii)(iii)(3)
(4)
10410152.93%
(5)
18.55
(6)
65.2
53166347,43152.1%72,153410
151.5%
411389142,2644.0%147,987241
8.7%
+
970.69.9%
32.3
300.025.2
14.2160.9
646.8528.6
(i)(ii)(iii)(iv)
875,904993,793866,904898,6939,00095,1006,177,8116,643,234
645,436406,645
47,0071,601
47,0071,601
555,880360,759
555,880360,759
42,54944,2855,098,3505,508,521
1,02760,210
258,863534,345174,135133,5131,488,4101,364,2141,309,9061,246,219178,504117,9951,295,271516,573
95,66892,109
9,933,0649,609,923
866,904898,693
9,00095,100
875,904993,793
4,78211,6928,91217,888
13,69429,580
2.0%1.5%
(1)
526.0410.4
5,730.75,272.0
153.8150.6
(1)
410.428.2%526.0
5,272.08.7%5,730.7
150.62.1%153.8
45.00%
10.00%
16.68%
9.85%
2.37%
1.38%
1,309,9061,246,219
178,504117,995
1,488,4101,364,214
43,35525,013
–5,911
43,35530,924
2.4%3.0%
516.61,295.3
92.13.9%
95.7
663.9208.3
23.9%
1,037,771891,301
529,807647,511
299,999(32,274)14,231(25,231)3,062160,8511,79652,348
1,886,6661,694,506(137,873)(192,801)(189,401)(125,519)(9,070)(11,661)(10,406)(8,106)
(475)(19,754)
(18,917)(12,978)(62,813)(73,330)(1,792)(1,792)(688,059)(220,822)
(13,730)(33,093)(1,132,536)(699,856)123,705132,197877,8351,126,847(213,929)(254,599)663,906872,248
1,037,565888,535
2062,766
1,037,771891,301
1,037.8891.3
16.4%
4,78211,692502,438601,806
6,74610,244
8,91217,888
6,9295,881
529,807647,511
529.8647.5
18.2%
(1) 601.816.5%502.4
(2) 17.950.2%
8.9
(3) 11.759.1%
4.8
(4) 10.234.1%
6.7
32.3300.0(i)
(ii)
2755,91113,956(31,142)
14,231(25,231)
14.225.2
39.4
160.9
(i)(ii)(iii)
137.9192.8
28.5%(i)
(ii)
155,34392,832
10,89511,3376,4625,1196,0442,02710,65714,204
189,401125,519
189.4125.550.9%
13.045.8%18.9
73.314.3%62.8
675,629178,0921,26110,7095,687(1,612)5,48233,633
688,059220,822
11,39725,426
2,3337,667
13,73033,093
701,789253,915
220.8211.6%
688.1
33.158.5%13.7
132.26.4%123.7
877,8351,126,847(1)
46.5%66.5%
(1) =
1,126.822.1%
877.866.5%46.5%
254.616.0%213.9
663,906872,248(1)
35.2%51.5%
(1) =
872.223.9%
663.951.5%35.2%
1,039,816943,651
1,039,816943,651
846,850750,855
123,705132,197
970,555883,052
(268,168)(220,512)(864,368)(479,344)
(1,132,536)(699,856)
771,648723,139106,187403,708
877,8351,126,847
74.2%76.6%
10.9%45.7%
723.16.7%
771.6943.710.2%
1,039.8220.521.6%
268.2
891.3
1,037.8
119.2
182.6
76.6%74.2%
403.773.7%
106.2479.380.3%
864.4883.19.9%
970.6
(1) 220.8
688.1
192.8137.9
19.80.5
33.113.7
(2) (i)
32.3
300.0(ii)25.214.2
160.9646.8
528.6
45.7%10.9%
13,611.814,572.310,975.911,200.6(i)(ii)(iii)
(iv)(v)(vi)
53.5%19.1%0.5%10.5%6.6%
1.5%
9,027,1807,683,39153,39875,340(1,276,128)(600,424)
(1,479)(1,554)7,802,9717,156,7535,659,4083,249,1092,143,5633,907,6447,802,9717,156,753
1,375.413.7%1,563.5
765.3
742.5
470.31,083.5
34.2%69.3%9
17.9%17.3%
17.4%16.5%
1,571,795602,00013,97628,500(290,113)(85,427)
(387)(588)
1,295,271544,4851,281,682148,185
13,589396,3001,295,271544,485
16.68%658,056565,995
9.85%216,375207,147
10.00%198,755192,474
2.37%107,888150,010
45.00%47,46968,833
81,36361,7601,309,9061,246,219
––1,309,9061,246,219
7.24%620,282621,044
26.05%50,75852,100
52,59133,391723,631706,535(10,000)(7,667)
713,631698,868
35.00%153,08794,650
15.20%120,000–
39.00%119,087–
28.00%89,600–
40.00%87,546–
40.00%72,174–
20.20%53,980–
20.00%44,680–
30.00%12,65418,900––50,144
752,808163,694
2,776,3452,108,781
47,00742,482374,347556,314178,455168,603564,448406,505264,500312,858
95,66892,109
1,524,4251,578,871
1,578.93.4%1,524.4(i)(ii)(iii)(iv)
1,081.3
964.4898.7866.9
251.815.0%
214.1
12.3%
95.188.4%
11.0
161.0
25.3
560.2540.0316.6
349.5243.6190.5
4,071.14,761.9
71.5%6.7%3.9%2.3%15.4%
2,525.834.8%3,404.7
188.91.3%
186.4
283.7
296.1
66.5
47.1
[2017]56
3%
104.4
51588,676.89,514.2
5145252318175851
11,20110,976
9,5148,677(6,143)(6,041)
14,57213,612
1,4391,608
9,5148,677(6,191)(6,214)
4,7624,071
9,7629,36848173
9,8109,541
780784
(116)88
664872
(1)
(2)
(3)
(1)(2)
(3)(4)(5)(6)
(7)IT
(1)
[2018]106
????
???????
?
????
????
??????
2100%40%(i)(ii)(iii)0%50%
0.1%9.0%
78.692
40.18195.83%100%
80.61%40%
221229
%%
83.4983.629340.638940.27
125.2462.722611.352410.862711.793013.57
146.11167.243213.973214.48(1)
177.42167.24
229100221100
(1)
%%
2520.8741.8125294720.524922.17303912655.0311752.94405423.585123.08
229100221100
%%
62.6262.7116170.3115268.785122.275223.53
114.80114.98
229100221100
IT3-5
(%) (%)
1,941,175,00075+1,552,940,0003,494,115,00075H647,075,00025+517,660,0001,164,735,00025
2,588,250,000100+2,070,600,0004,658,850,000100
1082,070,600,0001,552,940,000517,660,000H4,658,850,0003,494,115,0001,164,735,000H75%25%
64HH
HH
+–
(2)(2)(1)(2)
(%)
1+975,734,4802,195,402,58047.122+388,235,000873,528,75018.75
(3)
+405,224,650
(3)
911,695,650
(3)
19.57H4+112,340,000252,765,0005.43H5+100,000,000225,000,0004.836+35,588,20880,073,4681.727+26,691,15660,055,1011.2954,000,000
(4)8+26,691,15660,055,1011.299+12,00027,0000.00H10+8,00018,0000.00H
(1)(2)
(3) H
H(4)
30,000,000
24,000,000
XV23
(1)(2)(2)(2)
(3)
125,000,0006.44%4.83%(3)
125,000,0006.44%4.83%
(3), (4), (5), (6)
1,219,668,10062.83%47.12%
125,000,0006.44%4.83%(4)
1,344,668,10069.27%51.95%(4)
1,344,668,10069.27%51.95%
(7)
485,293,75025.00%18.75%(7)
485,293,75025.00%18.75%(7)
485,293,75025.00%18.75%
(7)
485,293,75025.00%18.75%(8)
H140,425,00021.70%5.43%(8)
H140,425,00021.70%5.43%(9)
H130,900,00020.23%5.06%(9)
H130,900,00020.23%5.06%China Create Capital LimitedH64,737,00010.00%2.50%
(10)
H62,924,0009.72%2.43%
(10)
H62,924,0009.72%2.43%Dingxin Company Limited
(11)
H51,315,0007.93%1.98%Honesty Global Holdings Limited
(11)
H51,315,0007.93%1.98%
(12)
H51,315,0007.93%1.98%
(12)
H51,315,0007.93%1.98%TMF (Cayman) Ltd.
(11), (12)
H51,315,0007.93%1.98%
(12)
H51,315,0007.93%1.98%
H51,272,0007.92%1.98%HWABAO TRUST CO., LTDH35,974,0005.56%1.39%
(1)(2)
1082,070,600,0001,552,940,000
517,660,000H4,658,850,0003,494,115,0001,164,735,000H(3)
69.57%
(4)
70%20%10%
(5) 30115
97.39%2.61%
(6) 46,800,000
(7)
A77.35%(8)(9)
(10)
(11) Dingxin Company LimitedHonesty Global Holdings LimitedHonesty Global Holdings LimitedTMF
(Cayman)Ltd.Honesty Global Holdings LimitedTMF (Cayman)Ltd.Dingxin CompanyLimited
(12) TMF (Cayman) Ltd.Ou Family TrustHonesty Global Holdings LimitedDingxin Company
LimitedOu Family TrustOu Family TrustOu Family Trust
600783
201792018120181120184201972002820178
(FPAT)CFP?FPAT
CFP?
60068310716000270021166009993968600036
MBA
600783
(CSERM)
200992600783
00763000063
600783
200992
13.51(2)(h)(v)
13.51(2)
13.51B(1)
3.10(1)3.10(2)
3.13
(1)(2)(3)(4)(5)
(6)(7)(8)(9)(10)(11)(12)(13)(14)(15)(16)(17)(18)(19)(20)(21)(22)
(23)(24)(25)(26)
C D
C D C D
C DA B C D
C DA B C D
A:
B:
C:
D:
A.2.1
(1)(2)(3)
(4)(5)(6)
(1)(2)(3)(4)(5)(6)(7)
8/82/2
8/82/2 8/82/2
8/82/2
8/82/2
8/82/2
8/82/2
(1)
D.3.1
(1)(2)(3)
(4)
(i)(ii)(iii)(iv)(v)(vi)
(5) (4)
(i)(ii)(6)(7)
(8)(9)(10)(11)(12)(13)
(14)
(i)(ii)(15)(16)
(1)(2)(3)(4)(5)
(1)(2)(3)(4)(5)(6)(7)(8)(9)(10)(11)(12)
(1)(2)(3)(4)(5)(6)
(1)(2)(3)(4)(5)(6)(7)(8)
(9)(10)
(1)(2)(3)(4)(5)(6)
(2)(3)(1)(2)
500,0001500,0011,000,000111,000,0011,500,0001,500,0012,000,000112,000,0012,500,000112,500,0013,000,00013,000,0013,500,0003,500,0014,000,00014,000,0014,500,00014,500,0015,000,0005,000,0015,500,0005,500,0016,000,0006,000,0011
(1) 13
(2) 13
(3)
(1)
(2)
(3)
(4)(5)(6)(7)(8)
3.2915
http://www.sitic.com.cn
(1) 2/3
(2) 1/3
(3) 10%10%(4)(5)(6)(3)
ir1697@luxin.cn
201820182018
2018
20192020-2022
2018
2018201820192018
732792018
20192018
2018
20182018
2018
(1)
(2) 10%50%
(3) 5%20%
(4)
1.5%
5%
H0.081
377.4
0.055
256.2
HHHH183171712-1716
H10%HH[1993]045H10%
H
3132
16731
14.04(9)5%
4,658,850,0003,494,115,000H1,164,735,00025%
30%
5%
647,075,000H588,250,000H58,825,000HH
4.56H1.00(i)(ii)2,560.3
320.035
7490
3.13
3.13
(i)(ii)(iii)
8.10
XV352
2.12
10020%14A
I.
(i)14A0.1%5%(ii)3,000,00014A.76(2)14A1.
14A
2.
30%14A
3.
14A
4.
14A
14A.35(i)(ii)14AII.
14A5%14A1.
14A
2.
14A
3.
14A
14A.35
14A.3614A.4614A.53(3)(i)(ii)(iii)14A
I.
1.
8,704–2.
8,040350
3. 20,0009,938
4. 54,000–II.
1.
90,000–10,000,000–
2.
221,40032,09718,000,0003,965,8203.
96,00010,45424,000,0002,310,192
(1)(2)(3)
(1)(2)(3)(4)III.
(1)(2)(3)14A
14A
(i)(ii)(iii)10%
13.91
(1)(2)(3)(4)(5)(6)(7)(8)
(9)(10)(11)
20182018
20182019
(1)
4/4 4/4 4/4
(2)
(1)(2)
1082,070,600,0001,552,940,000517,660,000H4,658,850,0003,494,115,0001,164,735,000HHH1,000H1,800H
2,588,250,0004,658,850,0002,588,250,0004,658,850,000
46,800,000
3011511585
73.91%2118.26%6
5.22%32.61%
18.26%5.22%
97.39%2.61%
[2019]97(i)(ii)
325.12
396.39
[2019]1
[2019]26
20192019
97.39%2.61%1,150,000
2,195,402,580225,000,0002,420,402,58051.95%46,800,000
A1,372,518.0496269
873,528,75018.75%
875,010.84
12111211
H252,765,0005.43%
116,572166
225,000,0004.83%
127,261.820003
80,073,468
1.72%
100%20,0002008A
60,055,101
1.29%
46,800,000
160,000622216-18
60,055,101
1.29%
(%)(%)
405,792.281.534,259,628.8216.1010,509,347.2739.728,091,998.9430.581,912,911.697.231,882,620.897.12
4,201.400.027,187,303.9127.169,959,996.9637.642,597,362.809.821,458,016.105.512,439,148.179.222,207,797.838.35
26,458,063.53100.0026,458,063.53100.00
369,541.32253,117.32––
––––36,250.9646,908.894,999.9810,959.281,912,911.692,061,098.220.040.04
––211,619.8518,337.1369,802.31169,362.9221,495.1122,570.96
––27,141.5123,799.3445,968.2343,234.37740.76679.0716,112.9711,269.351.561.56
––8,198.581,632.07
––1.5721.69229,772.49162,746.9019,578.40141,765.67
––1,642.391,050.5510,509,347.2711,415,879.78295,419.75220,817.3688,527.15189,855.53
4,201.401,001.729,959,996.967,040,963.051,458,016.101,689,500.12
––25,766,445.7223,192,163.07––68,620.4690,828.49––––––327,577.60246,867.72––26,162,643.7823,529,859.28––1,757,614.68665,738.4726,458,063.5323,750,676.64
––26,458,063.5323,750,676.6426,458,063.5323,750,676.64
. 1,293,687.301,861,916.30
957,570.42879,286.46-469,692.80878,551.04
––--134,360.39102,761.82
-36.07–-––
820.541,316.98
. 191,935.17240,256.04
4,369.925,708.54110,599.37128,810.1112,153.469,736.318,819.705,141.255,284.714,450.69
––––50,708.0186,409.14. -1,101,752.131,621,660.26. 1,078.294,808.80. 1,102,830.421,626,469.06. 468,058.83246,867.72. 1,324,021.531,545,759.18. 246,867.72327,577.60
10,088,200.4211,160,882.6912,913,882.2913,383,368.10
748,593.931,913,812.74
23,750,676.6426,458,063.53
4,222,666.283,752,414.694,743,135.517,215,311.5514,226,361.2814,798,719.48
23,192,163.0725,766,445.72
2344,484,006.136.65%2464,958,250.696.35%
110,000.005.56%
=11+2
2+nn1+2+n100%
792,568,486.871.28%7.50%2051,660,359.121.14%7.32%1975,223,410.830.21%5.67%
2645,223,064.233294,452,255.58
12532,272.4160510,207,592.224615,995,345.68 1444,212,246.54
341,899.6931,109.49176,880.00196,129.18
62,900.00–1,850.0061,050.00
––––––––––––80,000.0074,549.2580,000.0074,549.25
484,799.69105,658.74258,730.00331,728.43
671,238.35107,529.59563,708.76
148,835.16148,609.48297,444.64
163272?????
IESBAIESBA
?? ECL?
2.42.73(c)37
9,212248,452
1.
2.
3.
4.
ECL
2.16.1(ii)3(a)1421(b)
42.1
9,0271,276
1.
2.
????
3.
4.
5.
ECL
2.162027
42.5
912.97752.808
1.
2.
3.
?
???
??
51,037,771891,3016529,807647,5117299,999(32,274)814,231(25,231)93,062160,851101,79652,348
1,886,6661,694,50611(137,873)(192,801)12(189,401)(125,519)
(9,070)(11,661)(10,406)(8,106)
(475)(19,754)
(18,917)(12,978)(62,813)(73,330)
(1,792)(1,792)14(688,059)(220,822)15(13,730)(33,093)
(1,132,536)(699,856)
123,705132,197
877,8351,126,84716(213,929)(254,599)
663,906872,248
324366,050
4366,050
664,342878,298
170.140.19
664,342878,298
––
664,342878,298
18126,522130,12819148,825–
1,0435,8295,701202,776,3452,108,78127912,9701,129,884215,659,4083,249,1092218,54132,7612325,326160,99024230,11098,25625359,503362,569
10,264,4227,278,179
26964,4241,081,25427611,455448,9872811,02695,100212,143,5633,907,6442260,82888,714
214,056251,82529302,516460,049
4,307,8686,333,573
14,572,29013,611,752
304,658,8502,588,25030143,2852,231,13931845,282767,31931834,036756,07332(865)(1,301)
3,329,8253,199,212
9,810,4139,540,692
48,89962,697
342,647,6231,735,269
2,696,8681,797,966
35320,000450,000
61,96118,73834757,118790,494
186,357188,854
4,374–36734,491825,008
2,065,0092,273,094
4,761,8774,071,060
14,572,29013,611,752
3030313132
2,588,2502,231,139767,319756,073(1,301)3,199,2129,540,692
–––––663,906663,906––––436–436
––––436663,906664,342––77,963––(77,963)––––77,963–(77,963)–2,070,600(2,070,600)–––––
–––––(377,367)(377,367)–(17,254)––––(17,254)
4,658,850143,285845,282834,036(865)3,329,8259,810,413
2,588,2502,215,637688,876718,77229,4492,906,5569,147,540
9––––(36,800)(16,082)(52,882)
2,588,2502,215,637688,876718,772(7,351)2,890,4749,094,658
–––––872,248872,248––––6,050–6,050
––––6,050872,248878,298––78,443––(78,443)––––37,301–(37,301)–
–––––(447,766)(447,766)–15,502––––15,502
2,588,2502,231,139767,319756,073(1,301)3,199,2129,540,692
877,8351,126,84710,4069,14614688,059220,8221513,73033,093
7(299,999)32,274
47519,7549(3,062)(160,851)
(123,705)(132,197)
30,01252,279
(275)(5,911)
1,193,4791,195,276
(27,234)40,746(1,343,789)(1,177,540)38,01672,98384,074856,300
1,023,835(170,086)(2,030)(291,907)
(61,718)691,739
904,6331,217,511
(348,279)(267,572)
556,354949,939
73,35560,013
–5,91154710(6,842)(172,754)(90,695)(531,360)
463,41830,36950,001226,659(617,970)(312,849)
(128,186)(694,001)
1,340,0001,668,000(1,470,000)(1,546,000)
(30,012)(52,279)33(372,993)(451,814)
(533,005)(382,093)
(11,993)34,601
(116,830)(91,554)
1,081,2541,172,808
26964,4241,081,254
557,536599,018(253,194)(166,682)
2,000,000,000
2,588,250,000
4,658,850,00000606003
2.1
2.1
2.1.1
16(i)
1112
(i) 16
2.1
2.1.1
??
2.1
2.1.1
2,445
(781)
–1,664
6.22%
1,553
1,553
1,553
2.1.2
2.1
2.1.2
(CSM)
IASBIASB17
2.1
2.1.2
18(material)
1028
2.2
2.3
2.4
2.5
2.6
20%-50%
2.7
(a)(b)(c)(d)
37(b)
2.8
2.9
2.10
2.11
2.12
(a)
(b)
2.13
2.14
2.15
2.16
(a)(b)
2.16
(ECL)
(a)(b)
2.16.1
(i)
???
2.16
2.16.1
(i)
(i)(ii)
2.16
2.16.1
(i)
?
?
?
2.16
2.16.1
(i)
(ii)
???
2.16
2.16.1
(iii)
??????
2.16
2.16.1
(iv)
(i)(ii)
(i)(ii)(iii)
(a)(b)
2.16
2.16.2
(i)
?
?
?
2.16
2.16.2
(ii)
10%
2.16.3
2.16
2.16.3
2.16.4
(i)(ii)
2.16.5
2.17
? 2.16.1? 15
2.16.1)
2.18
(a)
2.18
(b)
3%2.43%-4.85%3%12.13%3%19.40%-32.33%3%9.70%-19.40%
2.21
(c)
2.19
2.21
2.20
2.21
2.21
2.22
2.23
2.23
(1)
(2)
2.23
2.24
2.25
2.21
2.26
(a)
42.1
????
(b)
(c)
(d)
:
25%3%(i)
6%7%3%(i) (2017)56
3%J
1,037,565888,5352062,766
1,037,771891,301
4,78211,692502,438601,8066,74610,2448,91217,888
(i)6,9295,881
529,807647,511
(i)
112,667(33,598)
18,123(11,039)64,8838,037
7,3554,92128,577(27,889)
231,605(59,568)
20(c)68,39427,294
299,999(32,274)
2755,91113,956(31,142)
14,231(25,231)
–155,357–5,4943,033–29–
3,062160,851
–16,440–34,6011,7961,307
1,79652,348
30,01253,259
352408(i)107,509139,134
137,873192,801
(i)
155,34392,832
10,89511,337
6,4625,1196,0442,02710,65714,204
189,401125,519
(a)
(i)–5462,3391233,008
(ii)–5414791101,130(iii)
––––––––––100–––100100–––100100–––100
(iv)–––––(iv)–––––(iv)–––––(iv)–––––(iv)–––––(iv)–––––
(v)–715420801,215(v)(vi)–30139970770(v)–415563781,056
(v)(vii)–129–16145
3002,6474,2004777,624
(a)
(i)(ii)(iii)(iv)(v)(vi)(vii)
(a)
–5991,8501482,597–1603159484(i)–––––––––––––––100–––100100–––100100–––100
(ii)–––––(iii)––––––––––––––––––––(iv)––––––––––
(v)–––––––––––1,400758932,251–429495821,006–41139682889
3002,9993,8144147,527
(a)
(i)(ii)(iii)(iv)(v)
(b)
10,8898,66315,90213,308
407487
27,19822,458
(b)
500,0011,000,000––1,000,0011,500,000––1,500,0012,000,000––2,000,0012,500,000––2,500,0013,000,000––3,000,0013,500,000113,500,0014,000,000–14,000,0014,500,000–24,500,0015,000,000––5,000,0015,500,000––5,500,0016,000,0002–6,000,00021
675,629178,0921,26110,7095,687(1,612)5,48233,633
688,059220,822
11,39725,426
2,3337,667
13,73033,093
345,783267,574
(131,854)(12,975)
213,929254,599
25%
877,8351,126,84725%219,459281,712
(i)(23,822)(45,697)18,29218,584
213,929254,599
(i)
(a)
663,906872,248
4,658,8504,658,850
0.140.19
(b)
138,3743,84710,8713,40915,784172,285
––2,4661551,5334,154–(215)(305)––(520)
138,3743,63213,0323,56417,317175,919
(30,603)(3,349)(7,430)(775)–(42,157)
(5,739)(124)(1,487)(396)–(7,746)–209297––506
(36,342)(3,264)(8,620)(1,171)–(49,397)
102,0323684,4122,39317,317126,522
138,3743,84710,8092,328–155,358
––1,0841,08115,78417,949––(1,022)––(1,022)
138,3743,84710,8713,40915,784172,285
(24,864)(3,097)(6,797)(508)–(35,266)
(5,739)(252)(1,625)(267)–(7,883)––992––992
(30,603)(3,349)(7,430)(775)–(42,157)
107,7714983,4412,63415,784130,128
–150,618
150,618
–(1,793)
(1,793)
148,825
(a)
(i)658,056565,995(ii)216,375207,147
(ii)198,755192,474
(ii)107,888150,010(ii)47,46968,833(ii)81,36361,760
1,309,9061,246,219
––
1,309,9061,246,219
(i)620,282621,044(ii)50,75852,100(ii)52,59133,391
723,631706,535(10,000)(7,667)
713,631698,868
(a)
153,08794,650120,000–119,087–89,600–.87,546–
72,174–53,980–44,680–12,65418,900–50,144
752,808163,694
2,776,3452,108,781
(b)
16.68%
7.24%
(b)(i)
4,888,6084,029,527
766,548653,770
5,655,1564,683,297
(1,240,650)(930,333)
(468,143)(358,691)
(1,708,793)(1,289,024)
3,946,3633,394,273
2,875,1042,383,633
812,514701,332
(424)5,302
812,090706,634
43,35525,013
(b)
(i)
3,394,2732,837,639
812,514701,332(260,000)(150,000)
(424)5,302
3,946,3633,394,273
16.68%16.68%
658,056565,995
(b)
(i)
75,165,69019,568,31651,417,61820,946,094
126,583,30840,514,410
(22,555,753)(7,141,730)(92,184,879)(21,524,362)
(114,740,632)(28,666,092)
11,842,67611,848,318
C8,418,7018,429,220
2,515,2632,512,272
538,857725,063C404,081592,158
538,857725,063
30,00030,922
(b)
(i)
C8,429,2208,397,252C404,081592,158
(414,600)(483,700)
–(76,490)
C8,418,7018,429,220
7.24%7.24%
609,177609,939
11,10511,105
620,282621,044
CABCC
(b)(ii)
758,048810,128
52,25053,250(5,000)(80,938)(49,306)(23,522)5075,166(2,333)(7,667)(b)(8,967)1,631
745,199758,048
(a)(b)(c)
163,694–550,720136,400(30,000)–
68,39427,294
752,808163,694
(a)
9,027,1807,683,391
53,39875,340(1,276,128)(600,424)(1,479)(1,554)
7,802,9717,156,753
5,659,4083,249,1092,143,5633,907,644
7,802,9717,156,753
(b)
108,96821,137470,319600,424146,063–593,381739,444(60,400)–(1,300)(61,700)
–(21,137)21,137––(21,137)21,137–
(i)(2,040)––(2,040)
192,591–1,083,5371,276,128
118,33115,904277,593411,828
83,9401,744268,634354,318(144,094)(838)(9,000)(153,932)68,16710,145(78,312)–(10,145)10,145––
(1,668)–1,668–
79,980–(79,980)–
(5)–11,40411,399
(17,371)(5,818)–(23,189)
108,96821,137470,319600,424
(i)
(c)
5,631,500676,5001,375,3917,683,3916,346,850––6,346,850(4,514,656)–(488,405)(5,003,061)
–(676,500)676,500––(676,500)676,500–
7,463,694–1,563,4869,027,180
5,386,300350,000844,8916,581,1914,306,10010,500874,4005,191,000(3,737,400)(64,000)(329,000)(4,130,400)
(350,900)380,000(29,100)–(380,000)380,000––(70,900)–70,900–100,000–(100,000)–
27,400–14,20041,600
5,631,500676,5001,375,3917,683,391
(a)
(i)93,297131,314
1,7774,605(15,656)(14,349) (49)(95)
79,369121,475
18,54132,76160,82888,714
79,369121,475
(i)
(b)
1,262–13,08714,349459–1,2101,669
(672)––(672)
310––310
1,359–14,29715,656
1,8131,78811,40415,005
––13,08713,087(2,189)(155)–(2,344)
1,633(1,633)––1,633(1,633)––
5–(11,404)(11,399)
1,262–13,08714,349
(c)
111,600–19,714131,31427,600––27,600(60,200)–(5,417)(65,617)
79,000–14,29793,297
101,56737,53065,200204,297
51,400––51,400(40,567)(10,930)(30,286)(81,783)26,600(26,600)––26,600(26,600)––(27,400)–(15,200)(42,600)
111,600–19,714131,314
19,2227,405
–152,4572473425,857786
25,326160,990
100,092171,674271,76620,3597,35627,715
(630)–
121,081178,400299,481
3,994(56,745)(52,751)(26,819)10,199(16,620)
(22,825)(46,546)(69,371)
98,256131,854230,110
78,49621,596100,09220,506(147)20,35954486630
99,54621,535121,081
(8,177)12,1713,994(6,088)6,088–
–(26,819)(26,819)
(14,265)(8,560)(22,825)
85,28112,97598,256
9,98245,93046,80671,357(36,824)(25,427)(i)349,521316,639
359,503362,569
(i) 27
(a)
1545964,4091,081,209
964,4241,081,254
(b)
1545964,4091,081,209
964,4241,081,254
47,00742,482374,347556,314
(i)178,455168,603564,448406,505264,500312,858(ii)95,66892,109
1,524,4251,578,871
912,9701,129,884611,455448,987
1,524,4251,578,871
(i)(ii)
[2014]50[2015]32? 1%? 1%? 5%?
11,02695,100
(i)190,539243,640
6,42799,010–302105,550117,097176,769179,108(71,219)(62,011)
302,516460,049
(i) 27
(i)4,658,8502,588,250
4,658,8502,588,250
(i) 108
4,658,850,000
???
122,7972,193,39720,48837,742
143,2852,231,139
(i)(ii)
767,319756,07377,96377,963
845,282834,036
688,876718,772
78,44337,301
767,319756,073
(i)
10%50%25%(ii)
[2012]20
1.5%
[2007]2495%20%
(iii)
4,658,850,000377,3670.08177,96377,963
256,2370.0554,658,850,000
(1,301)–(1,301)
436–436
(865)–(865)
(7,351)–(7,351)
6,050–6,050
(1,301)–(1,301)
377,367447,766
?? 10%?
37(b)
320,000450,000
(i)227,452227,452
(ii)296,099283,692(iii)104,429188,88226,52246,21447,07466,48532,91512,283
734,491825,008
(i)(ii)(iii) (2017)56
3%
(a)
(i)
248,452
223,138214,056251,82537(a)(ii)
(ii)
(a)
(ii)
625,102625,1024,312,176
564,448564,4481178,455178,455195,66895,6681
838,571838,571–
79,36979,369423,733
869,172869,1725,116,875
406,505406,5051168,603168,603192,10992,1091
667,217667,217–
121,475121,475722,724
(b)
51)9,212,458
8,784,368
1,152,3611,148,303752,801388,763
(a)
10,02510,175
(b)
11,345151,100
2,445
(c)
51.95%
18.75%
39(d)(a)
37(b)5851
1721
3,381,7013,679,903
25,3676,404
(b)
(i)
92,217130,530
814(3,411)
9,381(11,073)
(b)
(ii)
20432,966,6623,637,4944,181,2709,639,127
31,250100,654
(c)
(i)
10142,197,1534,352,8762,197,1534,964,296
(c)
(i)
28,01014,154
(d)
(i)
5,6735,63014,41112,458989991612532
21,68519,611
14,41112,458
(d)(ii)
47,30019,6981,544,3007,269,831
16,65022,584
(e)
(i)
1,6312,378
6370–8,01539–7,4815,5472,457409
–256123651081394–
3502,124
(f)
(a)
–1,037,771–1,037,771528,5841,223–529,807
299,999––299,999
14,231––14,231
3,062––3,062
974822–1,796
846,8501,039,816–1,886,666(137,873)––(137,873)
(6,813)(182,588)–(189,401)
(602)(8,468)–(9,070)
(691)(9,715)–(10,406)
(475)––(475)
(696)(18,221)–(18,917)
(15,365)(47,448)–(62,813)
(64)(1,728)–(1,792)(688,059)––(688,059)
(13,730)––(13,730)
(864,368)(268,168)–(1,132,536)
123,705––123,705
106,187771,648–877,835
13,241,283997,336333,67114,572,290
4,677,93070,85413,0934,761,877
(a)
–891,301–891,301646,777734–647,511
(32,274)––(32,274)(25,231)––(25,231)160,851––160,851
73251,616–52,348
750,855943,651–1,694,506(192,801)––(192,801)
(6,348)(119,171)–(125,519)
(841)(10,820)–(11,661)
(585)(7,521)–(8,106)
(19,754)––(19,754)
(1,354)(11,624)–(12,978)(3,708)(69,622)–(73,330)
(38)(1,754)–(1,792)(220,822)––(220,822)
(33,093)––(33,093)
(479,344)(220,512)–(699,856)
132,197––132,197
403,708723,139–1,126,847
12,372,3271,213,93125,49413,611,752
3,989,23566,48515,3404,071,060
COVID-19COVID-19COVID-19
?
??
42.1
42.1.1
42.1
42.1.1
(PD)(EAD)(LGD)9
42.1.2
42.1
42.1.2
??
42.1.2.1
?
42.1.2.2
? 12
42.1.2.3
? 9
42.1.2.4
?
???
42.1
42.1.2
42.1.2.1
?????
42.1
42.1.2
42.1.2.2
????????(PD)(EAD)(LGD)
42.1
42.1.2
42.1.2.2
42.1.2.3
(PD)(EAD)(LGD)?
??
42.1
42.1.2
42.1.2.3
42.1.2.4
42.1.2.4
42.1
42.1.2
42.1.2.4
50%20%30%
109.26~135.51109.17~139.94
92.97~104.6994.34~106.31
42.1
42.1.2
42.1.2.4
100%
1,291,784617,7781,244,588571,6911,143,787503,1151,499,188767,074
42.1
42.1.3
42.1.3.1
964,424–964,424
11,026–11,0269,080,578(1,277,607)7,802,9717,517,092(194,070)7,323,022
–––1,563,486(1,083,537)479,949
95,074(15,705)79,36980,777(1,408)79,369
–––14,297(14,297)–904,988(87,793)817,195823,387(7,401)815,986
–––81,601(80,392)1,209
11,056,090(1,381,105)9,674,985
42.1
42.1.3
42.1.3.1
1,081,254–1,081,254
95,100–95,1007,758,731(601,978)7,156,7535,673,505(109,835)5,563,670709,835(21,824)688,0111,375,391(470,319)905,072135,919(14,444)121,475116,205(1,357)114,848
–––
19,714(13,087)6,627987,886(73,496)914,390917,084(5,046)912,038
–––
70,802(68,450)2,352
10,058,890(689,918)9,368,972
42.1
42.1.3
42.1.3.2
1,563,4861,375,391(1,083,537)(470,319)
479,949905,072
742,474765,254
42.1.3.3
–60,000
42.2
42.2.1
42.2.2
42.2
42.2.2
+1%22,77215,789-1%(22,772)(15,789)
+1%22,77215,789-1%(22,772)(15,789)
42.2.3
60.24%61.22%
3206.71%45011.05%
42.2
42.2.3
42.2.4
H
+1%4295,504-1%(429)(5,504)
42.3
42.4
2100%40%(i)(ii)(iii)0%50%
0.1%9.0%
42.5
(a)
???(b)
42.5
(c)
47,007––47,007
––374,347374,347––178,455178,455564,448––564,448
––264,500264,500––95,66895,668––752,808752,808
611,455–1,665,7782,277,233
42.5
(c)
42,482––42,482
––556,314556,314––168,603168,603406,505––406,505
––312,858312,858––92,10992,109––163,694163,694
448,987–1,293,5781,742,565
42.5
(c)
(i)
(ii)
42.5
(c)
(iii)
1,129,884163,6941,293,578
158,609550,720709,329(496,582)(33,033)(529,615)121,05971,427192,486
912,970752,8081,665,778
111,58368,394179,977
42.5
(c)
(iii)
543,009–543,009595,793136,400732,193(32,645)–(32,645)
23,72727,29451,021
1,129,884163,6941,293,578
22,56327,29449,857
42.5
(c)
(iii)
10,094(ii)
11.4
168,410(ii)
1.46
(i)
20%~26%234,0489%~16%
752,80818%~34%
11,157(ii)
25.13
106,838(ii)
1.11
(i)
15%~26%386,28513%~14.7%
163,69413%~15%
(i)(ii)500,418625,604
(a)
126,522130,1281,0435,8295,7011,309,9061,246,2195,098,3505,508,521
749,720922,2471,281,682148,185
97627,44920,7278,533
246,731125,076349,521316,639
9,191,0078,438,698
866,919898,738602,886362,3609,00095,10013,589396,300
5135,183247,375291,960269,779457,591
2,009,5992,537,232
11,200,60610,975,930
(a)
4,658,8502,588,250
143,2852,223,139845,282767,319834,036756,073
(865)(1,301)
3,281,1653,034,829
9,761,7539,368,309
48,89962,697
49,24562,697
320,000450,000
61,96118,738186,281204,816
4,374–816,284871,370
1,389,6081,544,924
1,438,8531,607,621
11,200,60610,975,930
(b)
2,588,2502,223,139767,319756,073(1,301)3,034,8299,368,309
–––––779,629779,629––––436–436
––––436779,629780,065––77,963––(77,963)––––77,963–(77,963)–2,070,600(2,070,600)–––––
–––––(377,367)(377,367)–(9,254)––––(9,254)
4,658,850143,285845,282834,036(865)3,281,1659,761,753
2,588,2502,215,637688,876718,772(7,351)2,813,9159,018,099
–––––784,424784,424––––6,050–6,050
––––6,050784,424790,474––78,443––(78,443)–––37,301–(37,301)––
–––––(447,766)(447,766)–7,502––––7,502
2,588,2502,223,139767,319756,073(1,301)3,034,8299,368,309
1.00
H1.00
H
30%
ABS
(i)(ii)(iii)
*